Adrianimus, Did you manage to get hold of the t&c's? If so I'd be extremely grateful if you could send me a link

Hi, I hope someone will be able to help me. I have had quite a number of credit cards and loans in the past whilst trying to pay off student debt and haven't got the details as when I closed or settled the accounts I shredded the documnets. I am getting lost in the procedure and the more guides I read the more confused I seem to be getting. I don't know whether some of the cards are worth persuing or whether to forget about them and keep my £10 for SAR's etc. Some are quite old. I have opened an Experian account to view details but not all the cards I had have appeared and I wondered whether it was worth sending those financial institutions SARs..... A bit about my background: I was shocking with my money at University despite working every holiday that I had. I had a barclaycard through Uni and am pretty sure I backed with Lloyds. I took out a graduate loan with Lloyds and the advisor advised me to get a loan out big enough to pay my £2000 overdraft off and when I agreed a figure of £3000 with him he said but you should take out more for a holiday, new clothes for work etc - so I did. This is going back to 1999 and I was incredibly naive. I asked how many £10 charges had been applied to my account over the previous 4 years and he said "You don't want to know" and left it at that. I guess that these are too far back to claim..? I switched banks when it dawned upon me what I had been duped into. I was in full time employment with 13 weeks full sick pay up until August 2005. I then went self employed. My wife was made redundant whilst pregnant (due to company pulling out of the UK) nearly four years ago and we now have two children. My wife is unable to go back to work as the children are 2.5 years and 1 month. We are not claiming any benefits. I currently have a large credit card bill on 0% transfer until Oct next year and any money that I can claim back would be a big big help. The data that I have been able to get from Experian are as follows Egg loan started 2007 (self employed) settled Nov 2010 for 36x £320 - I don't think I took PPI out on this but couldn't be sure Egg card started 2003 (full time employment) settled July 2009- possible PPI pre ticked online ? MBNA card started Oct 2006 (self employed) - setteld 2008 - PPI? Tesco credit card started 2009 to present - don't think it had PPI on it Also had the Barclaycard at Uni and carried it on just after graduating. Had a couple of late payment fees applied plus a lot of interest down the years. Hope someone can point me in the right direction. With the birth of our second child I have been considering going to a claims handling company to help give me advice and steer me in the right direction. However when I googled Egg card PPI success this forum came up and I thought I would see if I could get help from people who know what they are talking about. Yours In Hope Zoon